Introduction
If you’re working in the UAE and receiving your salary on an RPay card, you’ve probably asked yourself at some point: “How much money do I have left?”
Maybe you’re standing at a grocery store checkout, or planning to send money back home, and you need to know your exact balance right now. The good news? Checking your RPay balance is incredibly easy—and you have several ways to do it.
RPay is a payroll card offered by Al Rostamani International Exchange (ARIE) that allows employees to receive their salaries electronically without needing a traditional bank account. It’s especially popular among workers earning under AED 5,000 per month.
In this guide, I’ll walk you through every method to check your RPay balance—from using your phone to visiting an ATM. No complicated banking jargon, just simple, straightforward instructions that anyone can follow.
Let’s get started!
What is RPay? (Quick Overview)
Before we jump into balance checking, let’s quickly understand what RPay actually is.
RPay is a prepaid salary card issued by Al Rostamani International Exchange that simplifies payroll processing by enabling direct salary deposits and minimizing the need for traditional banking services. Think of it as your digital wallet that your employer loads with your salary every month.
Why Do Companies Use RPay?
RPay is fully compliant with the UAE’s Wage Protection System (WPS), which is mandated by the Central Bank of UAE. This means your employer legally protects your salary payments, and you get your money on time, every time.
What Can You Do With RPay?
- Withdraw cash from any ATM in the UAE
- Shop online or at stores
- Pay bills and utility charges
- Send money to your home country
- Top up your mobile phone
Pretty much everything you’d do with a regular bank account—but simpler.
Why Should You Check Your RPay Balance Regularly?
I know, I know—checking your balance might feel like a chore. But trust me, it’s one of those small habits that can save you from big headaches.
Here’s why it matters:
1. Avoid Embarrassing Moments Nobody wants to be at a cash register when their card gets declined. Regular balance checks prevent this.
2. Catch Mistakes Early Sometimes salaries get credited incorrectly, or unauthorized transactions happen. The sooner you spot them, the sooner you can fix them.
3. Budget Better When you know exactly how much money you have, you can plan your expenses more wisely.
4. Track Your Spending Seeing where your money goes helps you cut down on unnecessary expenses.
5. Plan Remittances If you send money home regularly, knowing your balance helps you plan transfers without running low on cash.
Now that you’re convinced (hopefully!), let’s look at how to actually check your balance.
Method 1: Check RPay Balance Using ARIE Mobile App (Easiest Way!)
This is hands-down the fastest and most convenient method. Once you’ve set it up, checking your balance takes literally 10 seconds.
Step-by-Step Guide:
Step 1: Download the ARIE App
- Android users: Go to Google Play Store
- iPhone users: Go to Apple App Store
- Huawei users: Go to Huawei AppGallery
- Search for “Al Rostamani International Exchange” or “ARIE”
- Download and install the app
Step 2: Register Your Account
If you’re using the app for the first time:
- Open the app
- Click “Create Account”
- Enter your RPay card details (card number and expiry date)
- Set up a secure password
- Enable fingerprint or face ID for quick login (optional but recommended)
Step 3: Log In
- Open the ARIE app
- Log in using your password or biometric authentication
Step 4: Check Your Balance
- Once logged in, your balance appears right on the home screen
- You’ll also see recent transactions
- That’s it! Told you it was easy.
What Else Can You Do in the App?
The app allows you to transfer money to bank accounts in the UAE and overseas, pay bills, top up mobile phones, and check transaction history.
My Personal Tip: Enable push notifications in the app. You’ll get instant alerts every time money comes in or goes out. It’s like having a mini security guard for your wallet!
Method 2: Check RPay Balance via SMS (No Internet Needed!)
This method is perfect for those times when you don’t have internet access or your phone battery is running low.
How It Works:
Step 1: Open Your Messaging App Just your regular SMS app that comes with your phone.
Step 2: Compose the Message Type “BAL” followed by your 16-digit RPay card number
Example: BAL 1234567812345678
Step 3: Send to Al Rostamani’s SMS Number Send the message to the designated Al Rostamani Exchange SMS service number. (This number is usually printed on your salary card or provided during card registration.)
Step 4: Receive Your Balance Within seconds, you’ll get a reply SMS with your current balance.
Important Notes:
- Use the mobile number registered with your RPay account
- The SMS service is usually free, but check with your mobile provider about SMS charges
- You’ll also receive free SMS alerts whenever your salary is credited or any transaction occurs on your card
Method 3: Check RPay Balance at ATM
Sometimes, you just need cash anyway, so why not check your balance while you’re at it?
Step-by-Step Process:
Step 1: Find an ATM You can use:
- Any Al Rostamani Exchange ATM
- First Abu Dhabi Bank (FAB) ATMs, since Al Rostamani collaborates with FAB on prepaid card solutions
- Most VISA/Mastercard compatible ATMs in the UAE
Step 2: Insert Your RPay Card Put your card into the ATM slot.
Step 3: Enter Your PIN Type in your 4-digit PIN carefully. (If you’ve forgotten your PIN, you’ll need to visit an Al Rostamani branch to reset it.)
Step 4: Select “Balance Inquiry” Look for this option on the ATM menu. It might also say “Check Balance” or something similar.
Step 5: View Your Balance Your current balance will appear on the screen. You can also choose to print a receipt if you want a physical record.
Quick Tips:
- Using other banks’ ATMs may charge fees for balance inquiries, so try to use Al Rostamani or FAB ATMs when possible
- Some ATMs display your balance in both AED and USD—just look for the AED amount
- Always collect your card before walking away!
Method 4: Check Balance at Al Rostamani Exchange Branch
Prefer talking to a real person? No problem! You can visit any Al Rostamani Exchange branch.
How to Do It:
Step 1: Find Your Nearest Branch Visit the Al Rostamani Exchange website and use their branch locator, or just Google “Al Rostamani Exchange near me.”
Step 2: Visit During Working Hours Branches are typically open Monday to Saturday from 9:00 AM to 10:00 PM, and Sundays from 3:00 PM to 10:00 PM
Step 3: Speak to a Staff Member
- Approach the customer service desk
- Request an RPay balance enquiry
- Provide your RPay card
Step 4: Get Your Balance Information The staff member will check your balance and tell you the amount. They can also help with any issues related to your account.
When This Method Works Best:
- When you have other queries or problems with your card
- If you need to update your mobile number or other details
- When you want to collect your salary in cash instead of using the card
Method 5: Call Customer Service
If you’re comfortable with phone banking, this is another option.
Contact Details:
From UAE: 📞 Call: 600-540-004
From Outside UAE: 📞 Call: +971-4-454-3203
Email: 📧 ARIEPayrollSolutions@alrostamanigroup.ae
What to Expect:
- Call the customer service number
- You’ll be asked to verify your identity (card number, Emirates ID, etc.)
- Request a balance inquiry
- The representative will provide your current balance
- You can also ask about recent transactions or report any issues
Important: Never share your PIN with anyone, including customer service representatives. They’ll never ask for it.
RPay Card Benefits (Why It’s Actually Pretty Great)
Now that you know how to check your balance, let’s talk about why RPay is a solid choice for salary management.
1. No Bank Account Needed
You can access and use your salary without the need for a traditional bank account. This is especially helpful if you’re new to the UAE or don’t meet minimum salary requirements for regular bank accounts.
2. Zero Fees
No minimum balance requirement or monthly charges for cardholders. Unlike many bank accounts that penalize you for low balances, RPay lets you use your money freely.
3. Accidental Insurance
All RPay cardholders receive AED 25,000 in accidental insurance coverage. That’s some serious peace of mind!
4. Partial Withdrawals
You can withdraw your entire salary or leave a portion on the card with zero balance and partial salary withdrawal facility. Flexibility at its finest!
5. Shop Anywhere
Use your RPay card at stores and ATMs displaying the Visa or Mastercard logo, which means pretty much everywhere in the UAE and worldwide.
6. Discounted Remittances
RPay cardholders get discounted transaction fees for remittances, saving you money when sending cash to your home country.
7. Enhanced Security
The card comes with EMV chip and PIN protection for secure transactions and withdrawals.
Common Problems & Solutions
Even the best systems sometimes have hiccups. Here’s how to handle common RPay issues:
Problem 1: “I Forgot My PIN”
Solution:
- Visit the nearest Al Rostamani Exchange branch
- Bring your Emirates ID and RPay card
- Request a PIN reset
- You’ll get a new PIN within minutes
Pro Tip: Regularly change your passwords for improved account security.
Problem 2: “My Balance Doesn’t Match What I Expected”
Possible Reasons:
- Pending transactions that haven’t been processed yet
- Automatic deductions (like bill payments or subscriptions)
- Currency exchange rate differences (if you made international purchases)
- Recent ATM withdrawals
Solution: Check your transaction history in the ARIE app. It shows all recent activity and helps you spot any discrepancies.
Problem 3: “The App Isn’t Working”
Quick Fixes:
- Check your internet connection
- Force close the app and restart it
- Update the app to the latest version
- Clear the app cache (Android users)
- If nothing works, uninstall and reinstall the app
Problem 4: “I See an Unauthorized Transaction”
Immediate Action:
- Call customer service immediately: 600-540-004
- Report the suspicious transaction
- Block your card to prevent further unauthorized use
- Request a replacement card
Prevention: Regularly review your transaction history to identify any fraudulent transactions or fraud early.
Problem 5: “My Salary Hasn’t Been Credited”
What to Do:
- Check with your employer’s HR department first
- Salary processing times can vary (usually within an hour of employer submission)
- You should receive an SMS alert when your salary is credited—if you didn’t get one, it might not have been processed yet
- Contact Al Rostamani customer service if it’s been more than 24 hours
Pro Tips for Managing Your RPay Card
After talking to many RPay users, here are some insider tips:
1. Set Up SMS Alerts
Enable the free SMS facility to get alerts for all activities on your salary card, including salary credits and all debits and credits. It’s free and keeps you informed 24/7.
2. Check Balance Before Big Purchases
Always do a quick balance check before making large purchases or sending remittances. Saves you from failed transactions.
3. Download Bank Statements Regularly
Keep digital records of your transactions. They’re useful for:
- Visa applications
- Loan applications
- Personal budgeting
- Tax purposes (if applicable)
4. Use Al Rostamani ATMs
Plan your cash withdrawals to avoid multiple transactions and use Al Rostamani ATMs to avoid fees.
5. Link to Multiple Services
You can use your RPay card to:
- Set up automatic utility bill payments
- Subscribe to streaming services
- Shop on international websites
- Book flights and hotels
6. Keep Customer Service Number Handy
Save 600-540-004 in your phone contacts. You never know when you might need it.
Frequently Asked Questions (FAQs)
1. Is RPay balance enquiry free?
Yes, there are zero charges for RPay balance enquiry. You can check your balance as many times as you want without any fee.
2. What is the minimum balance required in my RPay card?
There is no minimum balance required in your RPay Salary Card—you can withdraw your entire salary if you want.
3. Can I use RPay for online shopping?
Yes, you can use the RPay card for online shopping on any store including Amazon, eBay, and more.
4. Can I transfer money to my home country from RPay card?
Yes, you can transfer money to your home country from your RPay card, with international fund transfer charges applicable as per banking rules in UAE.
5. Can I check my RPay transaction history?
Yes, you can check your RPay card recent transactions by logging into the Al Rostamani International Exchange App on your mobile phone.
6. What should I do if my RPay card is lost or stolen?
Call customer service immediately at 600-540-004 to block your card and request a replacement. The sooner you report it, the better protected you are against unauthorized transactions.
7. Can I have multiple RPay cards?
No, typically one employee gets one RPay card linked to their employment. However, family members working for different companies can each have their own RPay cards.
8. How long does it take for salary to reflect in my RPay card?
Typically within an hour of processing and crediting of salaries by your employer, based on cut-off time.
9. Is RPay accepted internationally?
Yes, you can use your RPay card at stores and ATMs worldwide displaying the Visa or Mastercard logo. Just be aware of international transaction fees.
10. Can I check my balance on the Al Rostamani website?
No, you cannot do RPay balance enquiry on the Al Rostamani website—you must use the ARIE mobile app to check your RPay card balance.
My recommendation?
Set up the ARIE mobile app today. It’s free, secure, and gives you complete control over your finances. Enable SMS alerts too, so you’re always in the loop about your account activity.
Remember, regularly checking your balance isn’t just about knowing how much money you have—it’s about taking control of your financial life. It helps you budget better, catch errors early, and avoid those awkward “card declined” moments.
Quick Recap:
✅ Use the ARIE app for the fastest balance checks
✅ SMS method works when you don’t have internet
✅ ATMs are great when you need cash anyway
✅ Visit branches for complex issues
✅ Call customer service for urgent help
Whatever method you choose, make balance checking a regular habit. Your future self will thank you!
Need Help with Other UAE Financial Services?
- Check your NOL card balance for Dubai Metro
- Learn about FAB Ratibi card balance enquiry
- Explore FAB balance check options
Stay financially smart, and take care! 💰
